Business Insurance

Bollington has been insuring a vast array of clients – from sole traders to corporate businesses – since 1974. While we offer professional indemnity, public liability, employers' liability and other essential commercial combined insurance covers we know that every business is different, and work hard to understand your needs.

Motor Trade

Whatever your size or location, we can provide quick quotes, highly competitive premiums and instant cover, with flexible payment options available. We work with a wide range of insurers to get the best deal to suit your needs.

Bollington have been operating in the care, charity and not for profit sectors for over a decade and has a dedicated care insurance division to enable us to offer specialist insurance assistance to our care clients.

We understand the work that the Community Transport Association carries out and works to support their member by offering specialist insurance policies and have been working in this area for many years.

Organising an emergency repair on your home can be both expensive and stressful. Our aim is to provide you with peace of mind that when something does go wrong, it can be fixed quickly and without fuss.

If you move goods from place to place in a courier van or other commercial vehicle, valuable items can be damaged, stolen or lost along the way. That's why you need goods in transit insurance in addition to your courier policy.

We have been insuring vehicles involved with refrigerated stock in the catering trade for years, so we know that it's not just a question of giving you comprehensive, third party fire and theft or third party only cover for your vehicle.

We have been helping wholesalers to find the right insurance for over four decades, and have picked up multiple awards along the way, so we are confident that we can offer the full range of insurance and risk management that is required by your sector.

With increasing regulation and competition, you need an insurance broker who has access to the UK’s leading insurers, understands the risks of your sector and works with you to tailor insurance to fit your needs.

With Bollington, you gain the peace of mind of dealing with a highly-experienced team of risk management professionals, dedicated to assessing the individual needs of your business and putting in place an effective agenda to deal with the risks that you face.

Bollington has valuable experience in this sector and we will help your business to comply with the requirements of the CDM Regulations 2007, working directly with your business to assess the individual issues in your environment.

Our Human Resources service is 100% tailored to your needs. We provide a dedicated HR consultant to meet with your key people and conduct an audit of your existing HR documentation and procedures before preparing new documents.

Corporate

For over 40 years Bollington Insurance has been one of the UK's leading corporate insurance brokers. We provide specialist solutions for businesses of all types and sizes from sole traders to international organisations. With long-standing relationships with leading insurers we're well placed to find you the right policy and negotiate preferential terms.

Registering Vehicles on the Motor Insurance Database (MID)

As a motor trader buying and selling a number of vehicles each year, you must have motor trade insurance (it is the individual vehicles that are added to the MID to show against your insurance policy – you don’t add the insurance in its own right to the database!).

With every vehicle that you buy and sell, you need to add or remove its details from the Motor Insurance Database (MID). Failure to add a vehicle means that you may not be insured to drive the vehicle in question; failure to remove a vehicle once it is sold means you could be liable if the vehicle is still shown on the MID in your name.

How do I add or remove vehicles on my policy?
Each insurer will have their own way of asking you to update the MID so you will need to check your policy wording that you were supplied when you bought your insurance on the specific details.

However, if you are an existing road risks client of Bollington Insurance, we can update the MID on your behalf. Simply call us on 01625 854300 and select option 2, and we can talk through the process. By utilising this service, you can ring us when you buy or sell any vehicle and we will do the amends for you. We charge a small fee for this popular service.

Why does this matter?
According to recent studies, uninsured drivers are 9 times more likely to be involved in a collision and 3 times more likely to have been convicted of driving dangerously previously. During the last 12 months, more than 60,000 vehicles have been seized by police, with 40% crushed or disposed of. Not having appropriate insurance where it is legally required is an offence which the police are cracking down on.

Every road vehicle that is not declared SORN must be registered and its insurance details updated on the MID. It is the responsibility of the policyholder to add their vehicles to the database, not the insurer. Make absolutely sure that your vehicles are on the database once the insurance cover has been agreed; it is a straightforward process, but it varies dependent on your insurer, so you may need to consult with your Bollington if you are unsure how to add or remove vehicles from the database. Many insurance companies now suggest that updating the MID online is the preferred method. The police regularly use the data supplied to them by the MID in order to seize vehicles they believe are not adequately insured. This can be done at any time.

The police use the ANPR (Automatic Number Plate Recognition) cameras and the Police National Computer, which is fed by the MID, to monitor which vehicles do not have their insurance details on the MID system. If they have reason to believe any vehicle, commercial or private, is not on the database, then they are able to seize it under Section 165 of the Road Traffic Act.

It may be the case that you have the correct motor trade insurance but have simply not put a new vehicle onto the MID. If you or one of your drivers is stopped because the vehicle in use is not on the database, it can be a major inconvenience. It will take time for the police to establish the insurance status, which can be detrimental to your business, especially if it involves tight deadlines or transporting customers directly.

On stopping you, the police will generally need to contact your insurer there and then. If the insurer cannot confirm that you have adequate insurance – which is often the case if it is outside office hours – it may result in your vehicle being seized. Further checks are also possible, including a general condition inspection, as well as a Road Tax and MOT check.

The sooner you get all of your vehicles on the database, the better. Doing it the same day any insurance is taken out or changes are made is most common and it only takes a few minutes to do so. Furthermore, remember that it is just as important to remove vehicles that you no longer own from the MID as it is to add them.